Lead Mortgage Valuation and Cash Flow Analytics Consultant

Wells Fargo

. Analyze and lead portfolio performance, valuation, cash flows, forecasting, and profitability across mortgage and consumer lending portfolios .

Posted 10/7/2026full-timeUnited StatesSeniorWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in Portfolio Analytics, Financial Analytics, and Mortgage Finance, with a strong focus on cash flow analysis, profitability assessment, and securitization strategies. Proficient in developing analytical models and dashboards to provide actionable insights for senior leadership.

Highest-signal resume keywords

Risk Analytics ExperiencePortfolio AnalyticsFinancial AnalyticsAdvanced Proficiency in SQLExperience with Securitization

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Cash Flow AnalysisProfitability AnalysisForecastingScenario AnalysisMortgage-Related ModelingPortfolio ValuationAnalytical ModelingData Analysis

Soft Skills

Analytical ThinkingProblem-SolvingCommunicationPresentationStakeholder Management

Tools & Technologies

SQLPythonSASPower BITableau

Industry Keywords

Mortgage FinanceConsumer LendingCapital MarketsStructured FinanceSecondary MarketingSecuritizationMBSRMBSABSHome Equity Loans

Tech Stack

Tools & technologies

PythonSQLTableau

About the role

Key responsibilities & impact

Analyze and lead portfolio performance, valuation, cash flows, forecasting, and profitability across mortgage and consumer lending portfolios
Help develop future Home Equity analytics and securitization capabilities
Evaluate mortgage pricing and product economics, including note rate versus par rate and price, points and lender credits, fixed-rate versus adjustable-rate mortgages, and 30-, 45-, and 60-day lock terms
Model origination behavior using pull-through assumptions and assess fallout drivers
Decompose expected profitability into revenue and cost components, including Net Interest Margin, fee income, fulfillment, hedge, capital, and liquidity costs
Produce and interpret NPV, Return on Assets, Return on Equity, and capital utilization and allocation measures
Partner with Mortgage Capital Markets, Secondary Marketing, and business teams on securitization, capital markets, collateral analytics, portfolio optimization, and Home Equity execution strategies
Assess margin impact of rate volatility and optimize execution selection
Perform scenario and sensitivity analysis across interest-rate shocks, CPR, pull-through, and spread assumptions
Develop forecasts, reporting, dashboards, and analytical insights for senior leadership
Translate complex findings into clear business recommendations
Partner across Finance, Risk, Treasury, Mortgage Capital Markets, and Business teams on strategic initiatives

Requirements

What you’ll need

5+ years of Risk Analytics experience, or equivalent demonstrated through one or a combination of work experience, training, military experience, or education
Demonstrated experience in Portfolio Analytics, Financial Analytics, Mortgage Finance, Consumer Lending, Capital Markets, Structured Finance, Secondary Marketing, securitization, or related disciplines
Experience supporting securitization, structured finance, capital markets, or secondary marketing initiatives, including cash flow analysis, collateral analytics, valuation, and execution economics
Comprehensive understanding of portfolio valuation, cash flow analytics, forecasting, securitization structures, capital markets activities, and secondary market execution
Experience with MBS, RMBS, ABS, home equity loans, or HELOC products preferred
Relevant experience performing cash flow analytics, portfolio analytics, profitability analysis, forecasting, scenario analysis, business performance measurement, and mortgage-related modeling
Strong understanding of pull-through, fallout, prepayment, pipeline, and loan-level performance drivers
Demonstrated ability to evaluate mortgage portfolios, identify profitability and risk drivers, assess valuation impacts, and deliver actionable insights and recommendations
Experience developing and maintaining analytical models, dashboards, and reporting solutions
Advanced proficiency in SQL, Python, SAS, Power BI, and Tableau
Experience working with large, complex financial datasets
Ability to partner across risk, finance, capital markets, servicing, and business teams
Strong analytical thinking, problem-solving, communication, presentation, and stakeholder management skills
Willingness to work onsite at a stated job-posting location

Benefits

Comp & perks

Hybrid work schedule
Equal opportunity employment
Medical accommodation available during the application or interview process
Drug-free workplace